I have never in my almost 40 years on this planet delt with any place so deceitful.
I was given a pre approval at the beginning of March.
With that I found a home to which it was sent through the underwriters and at that point given a conditional approval.
I jumped through hoop after hoop. I did everything they asked me to do.
In this time I paid $500 earnest money $250 Due Diligence $500 for a home appraisal (to JGWentworth) and $425 for a home inspection.
All of this done under the information that I would be approved with everything they asked.
They also wanted me to have a reserve in my checking account of $3000 after we closed to which I had to ask a family member for which to do had to have them fill out a form and get a bank letter stating that they have the funds to cover it.
I had to get my deceased ex husbands death certificate and our divorce record.
I gave bank statement 4 different times. I had to hunt down a person that worked at a realty company I used to rent a house from.
The company was no longer in business but that didn’t matter.
I still had to locate an employee that would have worked there at the time just to fill out a paper that stated I made all of my payments on time. I did this.
The impossible but still managed to do it. I’ve done the impossible for this company.
Every hoop they threw at me I did what was asked. All this with the idea that I would have my home loan.
A day before closing they come to me and say that my Debt to Income didn’t meet what it needed to be because they were using income from 2 years earlier that was before I got my promotion.
I have been in my current position a year and a half.
A day before closing after I have spent 2600 dollars getting everything together to get in this house they deny me the loan.
Don’t trust J.G. Wentworth Home Lending. I’m begging you go some place else.